The Granger National Bank in Granger, Texas (TX)



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The Granger National Bank routing number info

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The Granger National Bank
GeneralFDIC Certificate #: 3232
Status: Active
Federal Reserve ID: 272151
Bank Holding Company (Regulatory Top Holder): Granger Bancshares, Inc. (RSSDID: 1137257, Location: Granger, TX)
Date Established: March 08, 1920
WWW: http://www.grangernationalbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 2085
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 201 West Davilla, Granger, TX 76530
County: Williamson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
History of ChangesChange in Location
Financial SummaryTotal assets: $29.2 mil
Equity capital: $4.6 mil
Deposits held in domestic offices: $24.3 mil
Return on assets (ROA): 0.73% ($0.2 mil)
Quarterly return on assets: 0.48% ($0.1 mil)
Return on Equity (ROE): 4.95% ($0.2 mil)
Quarterly return on equity: 3.03% ($0.2 mil)
Net income: $0.2 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.75% ($219.3 mil)
Quarterly Pretax return on assets: 0.48% ($140.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)8
Total assets$29,237
Cash and due from depository institutions$5,561
Interest-bearing balances$4,320
Securities$18,105
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$5,245
Loan loss allowance $215
Trading account assets$0
Bank premises and fixed assets$42
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$284
Life insurance assets$29,237
Total liabilities and capital$24,618
Total liabilities$24,292
Total deposits$18,831
Interest-bearing deposits$24,292
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $326
All other liabilities $4,619
Total equity capital$4,619
Total bank equity capital$4,619
Perpetual preferred stock$0
Common stock$155
Surplus$155
Undivided profits $4,309
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $201
Average Assets, year-to-date $27,670
Average Assets, quarterly $15,518
Volatile liabilities $28,607
Insider loans $29,212
FHLB advances $11,161
Loans and leases held for sale $29,468
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,017
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,048
Total interest expense $166
Net interest income $882
Provision for loan and lease losses $0
Total noninterest income $133
Fiduciary activities $0
Service charges on deposit accounts $107
Trading account gains & fees $0
Additional noninterest income $26
Total noninterest expense $801
Salaries and employee benefits $441
Premises and equipment expense $43
Additional noninterest expense $317
Pre-tax net operating income $214
Securities gains (losses) $0
Applicable income taxes $4
Income before extraordinary items $210
Extraordinary gains - net $0
Net income attributable to bank $210
Net charge-offs $0
Cash dividends $210
Sale, conversion, retirement of capital stock, net $0
Net operating income $31
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.94%
Cost of funding earning assets 0.62%
Net interest margin 3.31%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 3.01%
Net operating income to assets 0.73%
Return on assets (ROA) 0.73%
Pretax return on assets 0.75%
Return on equity (ROE) 4.95%
Retained earnings to average equity (YTD only) 4.22%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$78,916
Cash dividends to net income (YTD only)3.65%
Condition Ratios (%)
Loss allowance to loans 14.76%
Loss allowance to noncurrent loans 3.94%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 21.59%
Equity capital to assets 22.07%
Core capital (leverage) ratio 15.80%
Tier 1 risk-based capital ratio 13.63%
Total risk-based capital ratio 35.99%
Memoranda
Average assets$37
Average earning assets$28,607
Average equity $4,239
Average loans $26,621
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02085The Granger National Bank201 West Davilla, Granger, TX 76530March 08, 1920Full Service Brick and Mortar
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